Ratings SBI Cards and Payment Services Limited

Equities

SBICARD

INE018E01016

Market Closed - NSE India S.E. Other stock markets 07:43:53 2024-05-28 am EDT			5-day change	1st Jan Change
705.4 ^INR	+0.38%		-1.30%	-7.13%

May. 14	Indian non-bank lenders' profitability to moderate in next 12-18 months, Moody's Ratings says	RE
Apr. 29	Jefferies Adjusts SBI Cards and Payment Services’ Price Target to INR785 From INR830, Keeps at Hold	MT

Strengths

Analysts expect a sharply increasing business volume for the group, with high growth rates in the coming years.
The company returns high margins, thereby supporting business profitability.
There is high visibility into the group's activities for the coming years. Outlooks on future revenues from analysts covering the equity remain similar. Such hardly dispersed estimates support highly predictable sales for the current and upcoming fiscal years.

Weaknesses

With a 2024 P/E ratio at 28.77 times the estimated earnings, the company operates at rather significant levels of earnings multiples.
The company's "enterprise value to sales" ratio is among the highest in the world.
In relation to the value of its tangible assets, the company's valuation appears relatively high.
The firm pays small or no dividend to shareholders. For that reason, it is not a yield company.
The overall consensus opinion of analysts has deteriorated sharply over the past four months.
Over the past twelve months, analysts' opinions have been revised negatively.

Ratings chart - Surperformance

Chart ESG Refinitiv

Sector: Consumer Lending

	1st Jan change	Capi.	Investor Rating	ESG Refinitiv
SBI CARDS AND PAYMENT SERVICES LIMITED	-7.13%	8.04B		B
AMERICAN EXPRESS COMPANY	+26.64%	171B		B
CAPITAL ONE FINANCIAL CORPORATION	+4.19%	52.58B		B+
GREEN DOT CORPORATION	+1.41%	534M		C-
PREMIUM GROUP CO., LTD.	+15.52%	512M		-
CPI CARD GROUP INC.	+38.51%	288M		B-
FINANCIERA OH! S.A.	0.00%	175M	-	-

Investor Rating

Trading Rating

ESG Refinitiv

Financials

Sales growth

Earnings Growth

EBITDA / Sales

Profitability

Finances

Valuation

P/E ratio

EV / Sales

Price to Book

Price to Free Cash Flow

Yield

Momentum

1 year Revenue revision

4 months Revenue revision

7 days Revenue revision

1 year EPS revision

4 months EPS revision

Consensus

Analyst Opinion

Potential Price Target

4m Target Price Revision

4m Revision of opinion

12m Revision of opinion

Business Predictability

Analyst Coverage

Divergence of Estimates

Divergence of analysts' opinions

Divergence of Target Price

Earnings quality

Environment

Emissions

Innovation

Use of resources

Governance

CSR Strategy

Management

Shareholders

Controversy

Technical analysis

ST Timing

MT Timing

LT Timing

RSI

Bollinger Spread

Unusual volumes